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银行卡识别api

龙行    个人随笔    2020-3-16    1300    0评论    

银行卡识别api

免费api

阿里(支付宝)

通过阿里支付宝api对银行卡进行效验(是否存在,卡号类型,归属行) 这三大类

api地址:

https://ccdcapi.alipay.com/validateAndCacheCardInfo.json?_input_charset=utf-8&cardNo=6214832018989180&cardBinCheck=true

如上需要要三个参数

_input_charset=utf-8
cardNo=验证的卡号
cardBinCheck=true

响应参数

 array:6 [
 "cardType" => "DC"
 "bank" => "ABC"
 "key" => "6228481268248914675"
 "messages" => []
 "validated" => true
 "stat" => "ok"
]
cardType:卡类型。值:DC为储蓄卡,CC为信用卡。
bank:所属行。值:所属行简称,CMB 为招商银行,所属行简称详见下方。
key:银行卡号。值:传入的银行卡号。
messages:银行卡信息。值:数组。
validated:有效性,是否正确有效。值:true为是,false为否。
stat:银行卡状态。值:ok,no。

简单示例

$cardNo = '6228481268248914675';
$url = "https://ccdcapi.alipay.com/validateAndCacheCardInfo.json";
$param = [
   "_input_charset" => "utf-8",
   "cardNo" => $cardNo,
   "cardBinCheck" => "true"
];
$data = Curl::get($url."?".http_build_query($param));
$res = json_decode($data, true);
var_dump($res);
{

"CDB":"国家开发银行","ICBC":"中国工商银行","ABC":"中国农业银行","BOC":"中国银行",

"CCB":"中国建设银行","PSBC":"中国邮政储蓄银行","COMM":"交通银行","CMB":"招商银行",

"SPDB":"上海浦东发展银行","CIB":"兴业银行","HXBANK":"华夏银行","GDB":"广东发展银行",

"CMBC":"中国民生银行","CITIC":"中信银行","CEB":"中国光大银行","EGBANK":"恒丰银行",

"CZBANK":"浙商银行","BOHAIB":"渤海银行","SPABANK":"平安银行","SHRCB":"上海农村商业银行",

"YXCCB":"玉溪市商业银行","YDRCB":"尧都农商行","BJBANK":"北京银行","SHBANK":"上海银行",

"JSBANK":"江苏银行","HZCB":"杭州银行","NJCB":"南京银行","NBBANK":"宁波银行","HSBANK":"徽商银行",

"CSCB":"长沙银行","CDCB":"成都银行","CQBANK":"重庆银行","DLB":"大连银行","NCB":"南昌银行",

"FJHXBC":"福建海峡银行","HKB":"汉口银行","WZCB":"温州银行","QDCCB":"青岛银行","TZCB":"台州银行",

"JXBANK":"嘉兴银行","CSRCB":"常熟农村商业银行","NHB":"南海农村信用联社","CZRCB":"常州农村信用联社",

"H3CB":"内蒙古银行","SXCB":"绍兴银行","SDEB":"顺德农商银行","WJRCB":"吴江农商银行","ZBCB":"齐商银行",

"GYCB":"贵阳市商业银行","ZYCBANK":"遵义市商业银行","HZCCB":"湖州市商业银行","DAQINGB":"龙江银行",

"JINCHB":"晋城银行JCBANK","ZJTLCB":"浙江泰隆商业银行","GDRCC":"广东省农村信用社联合社",

"DRCBCL":"东莞农村商业银行","MTBANK":"浙江民泰商业银行","GCB":"广州银行","LYCB":"辽阳市商业银行",

"JSRCU":"江苏省农村信用联合社","LANGFB":"廊坊银行","CZCB":"浙江稠州商业银行","DYCB":"德阳商业银行",

"JZBANK":"晋中市商业银行","BOSZ":"苏州银行","GLBANK":"桂林银行","URMQCCB":"乌鲁木齐市商业银行",

"CDRCB":"成都农商银行","ZRCBANK":"张家港农村商业银行","BOD":"东莞银行","LSBANK":"莱商银行",

"BJRCB":"北京农村商业银行","TRCB":"天津农商银行","SRBANK":"上饶银行","FDB":"富滇银行",

"CRCBANK":"重庆农村商业银行","ASCB":"鞍山银行","NXBANK":"宁夏银行","BHB":"河北银行",

"HRXJB":"华融湘江银行","ZGCCB":"自贡市商业银行","YNRCC":"云南省农村信用社","JLBANK":"吉林银行",

"DYCCB":"东营市商业银行","KLB":"昆仑银行","ORBANK":"鄂尔多斯银行","XTB":"邢台银行","JSB":"晋商银行",

"TCCB":"天津银行","BOYK":"营口银行","JLRCU":"吉林农信","SDRCU":"山东农信","XABANK":"西安银行",

"HBRCU":"河北省农村信用社","NXRCU":"宁夏黄河农村商业银行","GZRCU":"贵州省农村信用社",

"FXCB":"阜新银行","HBHSBANK":"湖北银行黄石分行","ZJNX":"浙江省农村信用社联合社","XXBANK":"新乡银行",

"HBYCBANK":"湖北银行宜昌分行","LSCCB":"乐山市商业银行","TCRCB":"江苏太仓农村商业银行",

"BZMD":"驻马店银行","GZB":"赣州银行","WRCB":"无锡农村商业银行","BGB":"广西北部湾银行",

"GRCB":"广州农商银行","JRCB":"江苏江阴农村商业银行","BOP":"平顶山银行","TACCB":"泰安市商业银行",

"CGNB":"南充市商业银行","CCQTGB":"重庆三峡银行","XLBANK":"中山小榄村镇银行","HDBANK":"邯郸银行",

"KORLABANK":"库尔勒市商业银行","BOJZ":"锦州银行","QLBANK":"齐鲁银行","BOQH":"青海银行",

"YQCCB":"阳泉银行","SJBANK":"盛京银行","FSCB":"抚顺银行","ZZBANK":"郑州银行","SRCB":"深圳农村商业银行",

"BANKWF":"潍坊银行","JJBANK":"九江银行","JXRCU":"江西省农村信用","HNRCU":"河南省农村信用",

"GSRCU":"甘肃省农村信用","SCRCU":"四川省农村信用","GXRCU":"广西省农村信用","SXRCCU":"陕西信合",

"WHRCB":"武汉农村商业银行","YBCCB":"宜宾市商业银行","KSRB":"昆山农村商业银行","SZSBK":"石嘴山银行",

"HSBK":"衡水银行","XYBANK":"信阳银行","NBYZ":"鄞州银行","ZJKCCB":"张家口市商业银行","XCYH":"许昌银行",

"JNBANK":"济宁银行","CBKF":"开封市商业银行","WHCCB":"威海市商业银行","HBC":"湖北银行",

"BOCD":"承德银行","BODD":"丹东银行","JHBANK":"金华银行","BOCY":"朝阳银行","LSBC":"临商银行",

"BSB":"包商银行","LZYH":"兰州银行","BOZK":"周口银行","DZBANK":"德州银行","SCCB":"三门峡银行",

"AYCB":"安阳银行","ARCU":"安徽省农村信用社","HURCB":"湖北省农村信用社","HNRCC":"湖南省农村信用社",

"NYNB":"广东南粤银行","LYBANK":"洛阳银行","NHQS":"农信银清算中心","CBBQS":"城市商业银行资金清算中心"

}

银联收费api

api文档地址(没用过就贴个文档地址吧)

https://open.unionpay.com/tjweb/api/detail?apiSvcId=21&index=1

聚合数据付费接口服务

1.银行卡二元素检测 https://www.juhe.cn/docs/api/id/188 检测输入的姓名银行卡号是否一致

2.银行卡三元素检测 https://www.juhe.cn/docs/api/id/207 检测输入的姓名、身份证号码、银行卡号是否一致。

3.银行卡四元素检测 https://www.juhe.cn/docs/api/id/213 检测输入的姓名、手机号码、身份证号码、银行卡号是否一致。

京东万象

银行卡三要素检测 https://wx.jdcloud.com/api-113/2_0/1 通过“银行卡号、身份证号码、开户名、”三元素进行校验信息是否一致。类型比较多需求选择

用友云平台

银行卡三要素实名认证 https://api.yonyoucloud.com/apilink/tempServicePages/54239022-aae3-44bb-a6e6-c7adfb46583e_true.html 根据输入的银行卡号、持卡人姓名、持卡人身份证号,验证此三种信息是否一致,可快速校验个人身份信息。可用于金融、保险、在线教育、电商、租赁、物流、旅游等需要实名认证的场景。直连自公安部和银联中心接口,实时查询,权威可靠【购买前可人工咨询并申请免费测试次数,18612273012(微信同号)】

补充一个:

银行卡Luhn算法

支付系统绑卡签约和身份验证

https://juejin.im/entry/5811c2a18ac247005b73381e

https://blog.csdn.net/wangzhjj/article/details/52597614

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